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Car Accidents Caused by Uninsured and Underinsured Drivers

Across the US, a significant portion of drivers do not have insurance or have limited insurance coverage.

ORLANDO, FL, February 21, 2013 /24-7PressRelease/ -- Across the US, a significant portion of drivers do not have insurance or have limited insurance coverage. If you are injured in an accident with one of these drivers, you may soon find your injury-related expenses are not covered.

In the event you are involved in a car accident caused by an uninsured/underinsured driver, any bodily injury you sustain may be only minimally covered by the other driver's insurance, or not covered at all. If your injury is serious and has impacted your life significantly, you may want to consider contacting an attorney to find out if you have any options to pursue compensation.

Uninsured Motorist Coverage

You may or may not have uninsured motorist (UM) coverage in your own insurance policy; this type of coverage is optional. If you do have this coverage, it should cover the costs associated with your injury. You can only collect UM coverage if:

- The other driver caused the car accident.
- The accident caused your injury.
- The driver is uninsured, or the driver does not have enough coverage to pay for the sum of your medical treatment.

UM laws and coverage vary by state, so you should check with an attorney in your area to find out more.

What to do if you are in an Accident with an Uninsured/Underinsured Motorist
Collecting your UM coverage after a car accident is not always a simple process. Even though it is your own policy, your insurance company may try to give you less than the full amount of compensation. Faced with medical costs of your injury, you may be relying on the benefits you thought you had elected.

Accident attorneys are experienced in communicating with insurance companies. An attorney can work to make sure insurance coverage is provided for all costs related to your injury, including:

- Medical bills
- Lost wages
- Future lost wages if you are unable to work
- Loss of enjoyment of life
- Pain and suffering

These things can seriously affect your life. You should not have to suffer the full brunt of your injury expenses simply because another driver had inadequate insurance. An attorney will work with your insurance company to try to get the full benefits you were promised.

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